Residential Property › Product Range

Absent Landlord (Flat/Maisonette)
Where the landlord cannot be identified and the lease does not allow the tenant a right to enforce positive/restrictive covenants against other tenants

Absent Landlord (House)
Where the landlord cannot be identified and the lease does not allow the tenant a right to enforce positive/restrictive covenants against other tenants

Adverse Possession
Where paper title cannot be evidenced

Breach of Freehold Restrictive Covenant
Where covenants are breached which restrict the use or type of building

Breach of Restrictive Covenant in a Lease (Flat/Maisonette)
Where covenants are breached which restrict the use or type of building

Breach of Restrictive Covenant in a Lease (House)
Where covenants are breached which restrict the use or type of building

Building Over A Sewer (Lender Only)
Where there is a building over a public sewer.

Chancel Repair (Non-Successor)
Where the property is located within a potentially liable parish for Chancel Repair payments

Chancel Repair (Successor)
Where the property is located within a potentially liable parish for Chancel Repair payments

Defective Lease
Where the lease contains inadequate provisions as to repair/maintenance of the building of which the property forms a part or where the lease is otherwise defective

Defective Lease (Forfeiture of Headlease) (Lender Only)
Where the lessor of a superior lease exercises or attempts to exercise a legal right of re-entry and/or to enforce terms and/or covenants contained in the superior lease

Defective Lease (Forfeiture on Bankruptcy) (Lender Only)
There is provision for the landlord to forfeit the lease upon the tenant's bankruptcy

Exercise of Reserved Rights to Mine
Where the property is subject to a reserved right to mine.

Flying/Creeping Freehold
Where part of the residential property extends above or below another property

Forced Removal/Obstruction of a Right of Way
Where there is a building over an existing Right of Way.

Freehold Flat
The coverage for this known risk is limited to a duration of 25 years or the term of the mortgage, from the policy date, whichever is the longer

Good Leasehold
Where the freehold title has not been proved to HM Land Registry and someone else challenges the validity of the lease

Good Leasehold/Absentee Landlord
Absentee Landlord - Where the landlord cannot be identified and the lease does not allow the tenant a right to enforce positive/restrictive covenants against other tenants. Good Leasehold - Where the freehold title has not been proved to HM Land Registry and someone else challenges the validity of the lease

Insolvency - Deed of Gift/Undervalue Transaction (Lender Only)
Where there has been a transfer of the land by a deed of gift or at an undervalue

Insolvency - Purchase at Full Market Value
Where there has been a transfer of land by a previous owner at less than market value

Lack of Building Regulations/FENSA Certificate
Alterations or additions or replacement windows were made without former building regulations approval/receipt of FENSA Certificate (if applicable)

Lack of Building Regulations/Planning Permission/FENSA Certificate
Building Regs/FENSA Certificate - Alterations or additions or replacement windows were made without former building regulations approval/receipt of FENSA Certificate (if applicable)

Lack of Drainage / Service Media / Water Supply
Where there are no or inadequate legal rights of drainage/service media/water supply to the residential property

Lack of Easement - Pedestrian Access
Where there are no or inadequate legal rights of pedestrian access to the property

Lack of Easement - Vehicular Access
Where there are no or inadequate legal rights of vehicular access to the property

Lack of Planning Permission
Alterations/additions to the residential property were made without former planning permission

Listed Building Consent (Lender-only cover)
Where it is not evident that relevant listed building consent has been obtained for alterations

Local Authority Search - No Search for Purchase Transactions
Where no formal search of the Local Authority Land Charges, Water Service Company and/or Coal Authority registers in accordance with forms LLC1 and CON 29/29R/29DW/29M have been applied for

Local Authority Search - No Search for Remortgage Transactions
Where no formal search of the Local Authority Land Charges, Water Service Company and/or Coal Authority registers in accordance with forms LLC1 and CON 29/29R/29DW/29M have been applied for

Local Authority Search - Search Delay for Purchase Transactions
Where formal searches of the Local Authority Land Charges, Water Service Company and/or Coal Authority registers in accordance with forms LLC1 and CON 29/29R/29DW/29M have been applied for but there is a delay in receiving these back

Local Authority Search - Search Delay for Remortgage Transactions
Where formal searches of the Local Authority Land Charges, Water Service Company and/or Coal Authority registers in accordance with forms LLC1 and CON 29/29R/29DW/29M have been applied for but there is a delay in receiving these back

Local Authority Search - Search Validation for Purchase Transactions
Where existing searches of the Local Authority Land Charges, Water Service Company and/or Coal Authority registers in accordance with forms LLC1 and CON 29/29R/29DW/29M are more than three months old

Local Authority Search - Search Validation for Remortgage Transactions
Where existing searches of the Local Authority Land Charges, Water Service Company and/or Coal Authority registers in accordance with forms LLC1 and CON 29/29R/29DW/29M are more than three months old

Maisonette Indemnity
Where the lease contains inadequate provisions as to repair/maintenance of the building of which the property forms a part or where the lease is otherwise defective

Missing Deed refers to easements, rights or other provisions which are unknown
Where there is reference to a deed containing easements, rights or other provisions which are unknown

Missing Lease refers to easements, rights or other provisions, which are unknown
Where there is reference to a lease containing easements, rights or other provisions which are unknown

Outstanding Charges entry (C iv)
Where there is an outstanding Land Charges Entry C iv registered against the property.

Possessory Title
Where HM Land Registry have given a possessory title and no state indemnity is provided

Rent Charge
An annual/periodic sum due to a third party

Title Subject to a Lease (referred to in the Charges Register)
Where the title makes reference to a lease but the contents are unknown

Title Subject to a Leasehold Enlargement Qualification
Where the owner of a reversionary interest attempts to take back the land

Title Subject To Rights or Reservations
Where the title is subject to third party rights

Unknown Freehold Restrictive Covenants referred to in the Title or a Deed which is missing
Where a deed or the registered title makes reference to restrictive convenants but the contents are unknown